Visitors to the United States aren’t covered by US public health programmes, and medical care there is billed privately. Visitor plans cover medical emergencies during the stay. Check the medical limit, the deductible, and how pre-existing conditions are treated.
What to check
- The medical limit, per illness or injury and overall.
- The deductible (excess) and any co-payment.
- How pre-existing conditions are treated.
- Emergency evacuation and repatriation.
- Whether the insurer pays US hospitals directly, through a network.
Read the policy wording before you buy: what’s covered, the limits, the excess and the exclusions.
Each insurer’s own page for this
SafetyWing has no page for this.
We earn a commission if you buy after following these links. It never changes what this page says, and we don’t give advice. Who each insurer is.
Questions
Do visitors to the US need travel insurance?
The US doesn’t require it for most visitors. Whether to buy it is your decision; we don’t give advice.
What is a deductible?
The amount you pay towards a claim before the insurer pays. The excess, explained.
Can visitors use US public health programmes?
No: they are for residents.
Keep reading
Updated 2026-10-24.